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Credit Cards Credit Card v18, Post/Ask general questions here, Please read post 1-3 before posting, tq

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cappuccino vs latte
post May 11 2015, 11:09 PM

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QUOTE(chiahau @ May 11 2015, 10:33 PM)
Hi, if my rental income is banked into Maybank ( but they use cash deposit or some times just transfer ) for the past 2 years for 1 of my property, can it be considered as source of income as well?

I did not disclose it in my EA form yet this year as it's my 1st year being employed with taxable income.
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did the rental agreement stamped? If yes than need to disclose during personal tax filing.
laymank
post May 12 2015, 08:57 AM

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QUOTE(chiahau @ May 11 2015, 10:33 PM)
Hi, if my rental income is banked into Maybank ( but they use cash deposit or some times just transfer ) for the past 2 years for 1 of my property, can it be considered as source of income as well?

I did not disclose it in my EA form yet this year as it's my 1st year being employed with taxable income.
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I don't think so.
aromachong
post May 12 2015, 12:12 PM

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will cash advance appear in CCRIS record?
fuelsave
post May 12 2015, 02:14 PM

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just an enquiry on balance transfer and 0% interest/management fee

1. I have MBB card with credit balance of RM10,000 , can i apply for Aeon credit card to balance transfer RM10,000 (for 6 months at 0% interest and no transfer fee?) If I wanted more money, can I transfer RM15,000 instead and then the balance RM5k to withdraw from MBB card seperately?

2. CC like Publicbank has PB Flexipay plan(https://www.pbebank.com/Personal-Banking/Promo/Promo/PB-Flexipay-Plan-(1).aspx) 12 months 0% interest, instead of the above, wouldn't it be easier to "swipe" for the goods for RM10k and get 0% interest for 12 mth installment from PBB?
fruitie
post May 12 2015, 03:23 PM

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QUOTE(fuelsave @ May 12 2015, 02:14 PM)
just an enquiry on balance transfer and 0% interest/management fee

1. I have MBB card with credit balance of RM10,000 , can i apply for Aeon credit card to balance transfer RM10,000 (for 6 months at 0% interest and no transfer fee?) If I wanted more money, can I transfer RM15,000 instead and then the balance RM5k to withdraw from MBB card seperately?
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How will you prove to Aeon that your outstanding is RM 15k when your actual outstanding is RM 10k? unsure.gif
laymank
post May 12 2015, 03:30 PM

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QUOTE(fuelsave @ May 12 2015, 02:14 PM)
just an enquiry on balance transfer and 0% interest/management fee

1. I have MBB card with credit balance of RM10,000 , can i apply for Aeon credit card to balance transfer RM10,000 (for 6 months at 0% interest and no transfer fee?) If I wanted more money, can I transfer RM15,000 instead and then the balance RM5k to withdraw from MBB card seperately?

2. CC like Publicbank has PB Flexipay plan(https://www.pbebank.com/Personal-Banking/Promo/Promo/PB-Flexipay-Plan-(1).aspx) 12 months 0% interest, instead of the above, wouldn't it be easier to "swipe" for the goods for RM10k and get 0% interest for 12 mth installment from PBB?
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If you have PB card, you can try to BT over at 0% for 6 months, without requiring bank statement.
https://www.pbebank.com/Personal-Banking/Pr...e-Transfer.aspx
fuelsave
post May 12 2015, 03:45 PM

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thanks bro, but that means i need to apply to PB card, is the PB visa platinum support such features too?

ooo i saw its waived annual fee first year and subsequent (12 swipes) - the 12 swipes per year means 1 every month or i cna just get it done one shot 12 swipes in the first month and my annual fee would be waived?

This post has been edited by fuelsave: May 12 2015, 03:50 PM
laymank
post May 12 2015, 04:18 PM

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QUOTE(fuelsave @ May 12 2015, 03:45 PM)
thanks bro, but that means i need to apply to PB card,  is the PB visa platinum support such features too?

ooo i saw its waived annual fee first year and subsequent (12 swipes) - the 12 swipes per year means 1 every month or i cna just get it done one shot 12 swipes in the first month and my annual fee would be waived?
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You are right!
enkil
post May 12 2015, 06:49 PM

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Bahnhofstrasse
post May 18 2015, 11:19 AM

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Hi guys,


i am thinking of cancelling my stanchart credit card. However, this is the only card at the moment in my wallet which can pay IWK and cukai tanah Selangor and majlis perbandaran Nilai online?

Anyone know other credit cards which i can pay online to these 3 merchants? Please don't suggest M2U or Cimbclicks. these 2 sites only allow direct transfer from savings or current account.

i want to make payment from credit card, not savings account online!!!
victorywp
post May 18 2015, 11:49 AM

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QUOTE(Bahnhofstrasse @ May 18 2015, 11:19 AM)
Hi guys,
i am thinking of cancelling my stanchart credit card. However, this is the only card at the moment in my wallet which can pay IWK and cukai tanah Selangor and majlis perbandaran Nilai online?

Anyone know other credit cards which i can pay online to these 3 merchants? Please don't suggest M2U or Cimbclicks. these 2 sites only allow direct transfer from savings or current account.

i want to make payment from credit card, not savings account online!!!
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have you tried ocbc? at least for iwk.

QUOTE(cempedaklife @ May 13 2015, 01:19 AM)
i use ocbc credit card using ocbc online

http://www.iwk.com.my/v/customer/sewerage-bill-payment
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This post has been edited by victorywp: May 18 2015, 11:57 AM
laymank
post May 18 2015, 03:05 PM

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QUOTE(Bahnhofstrasse @ May 18 2015, 11:19 AM)
Hi guys,
i am thinking of cancelling my stanchart credit card. However, this is the only card at the moment in my wallet which can pay IWK and cukai tanah Selangor and majlis perbandaran Nilai online?

Anyone know other credit cards which i can pay online to these 3 merchants? Please don't suggest M2U or Cimbclicks. these 2 sites only allow direct transfer from savings or current account.

i want to make payment from credit card, not savings account online!!!
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Have you checked out POSOnline?

https://www.posonline.com.my/ecommerce/newP...ill_payment.asp
Bahnhofstrasse
post May 18 2015, 04:29 PM

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QUOTE(laymank @ May 18 2015, 03:05 PM)
Yes, pos online can pay all, but then.................... there is an additional 1% to 2% extra charges for credit card.

i am trying ambank credit card, because i noticed standard chartered processed IWK, cukai tanah selangor payment through MBF gateway. So Ambank card might be able to pay for it online.


The thing with stanchart card is that this card is very hard to use, you need to plan upfront. And even if you hit and fulfill, the effective rebate from Just one is only 2.8% on total spending.
Mansamune
post May 18 2015, 04:56 PM

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Hi guys,

I noticed that RinggitPlus is holding a special promo for HSBC cards.

https://ringgitplus.com/en/credit-card/HSBC/

They're giving out free Blackberry Z3s on card approval O_O

I managed to get the Tablet from them last time but this promo definitely seems better...
MoneyMaker prince
post May 18 2015, 06:06 PM

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QUOTE(Mansamune @ May 18 2015, 04:56 PM)
Hi guys,

I noticed that RinggitPlus is holding a special promo for HSBC cards.

https://ringgitplus.com/en/credit-card/HSBC/

They're giving out free Blackberry Z3s on card approval O_O

I managed to get the Tablet from them last time but this promo definitely seems better...
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So can we apply and get the phone, then terminate it??


karcity
post May 18 2015, 08:30 PM

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Hi. Anyone know how to pay Astro bill online with credit card? Payonline can't pay Astro bill. Currently I am paying via citibank cc. But I plan to terminate it. I tried Astro website, it seems that they required registration. I have 4 house with Astro. I can't register all account online.. Please give suggestion.
Human Nature
post May 18 2015, 08:33 PM

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QUOTE(karcity @ May 18 2015, 08:30 PM)
Hi. Anyone know how to pay Astro bill online with credit card? Payonline can't pay Astro bill. Currently I am paying via citibank cc. But I plan to terminate it. I tried Astro website, it seems that they required registration. I have 4 house with Astro. I can't register all account online.. Please give suggestion.
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through maybank2u
laymank
post May 18 2015, 11:39 PM

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QUOTE(Bahnhofstrasse @ May 18 2015, 04:29 PM)
Yes, pos online can pay all, but then.................... there is an additional 1% to 2% extra charges for credit card.

i am trying ambank credit card, because i noticed standard chartered processed IWK, cukai tanah selangor payment through MBF gateway. So Ambank card might be able to pay for it online.
The thing with stanchart card is that this card is very hard to use, you need to plan upfront. And even if you hit and fulfill, the effective rebate from Just one is only 2.8% on total spending.
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Does POSOnline accepts AMEX? or just Visa/Mastercard?

If AMEX is ok, I wouldn't mind pay 1-2% service charge.
wesleyyim83
post May 20 2015, 03:50 PM

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I was apply the visa infinite, but ended up received wise gold card, what can I do for it? I think is the sales staff help me to change it without my consent and never ask me which categories I want, from the 1st day I send my documents, until I received call from the branch to ask me collect the card only I know that my card is approved, any idea? Can I lodge a complaint to the bank?
Wongchoy
post May 20 2015, 04:26 PM

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QUOTE(wesleyyim83 @ May 20 2015, 03:50 PM)
I was apply the visa infinite, but ended up received wise gold card, what can I do for it? I think is the sales staff help me to change it without my consent and never ask me which categories I want, from the 1st day I send my documents, until I received call from the branch to ask me collect the card only I know that my card is approved, any idea? Can I lodge a complaint to the bank?
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One possibility is that your VI application is not successful and they downgraded your application to Visa Wise rclxub.gif

Otherwise, they have made a mistake.

This post has been edited by Wongchoy: May 20 2015, 04:27 PM

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